| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 6230 FAIRVIEW ROAD, SUITE 210 CHARLOTTE, NC 28210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $153K | $3K | $156K | 10.22% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE CENTER PARKWAY SUITE 700 ATLANTA, GA 30328 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $106K | $23K | $129K | 8.47% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 6230 FAIRVIEW ROAD, SUITE 210 CHARLOTTE, NC 28210 | COMBINED INSURANCE COMPANY OF AMERICA | $144K | $0 | $144K | 45.94% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | COMBINED INSURANCE COMPANY OF AMERICA | $31K | $0 | $31K | 9.93% |
| BENEFITS ALL INSURANCE, LLC3 Filed as: BENEFITS ALL INSURANCE LLC | UNKNOWN ALPHARETTA, GA 30005 | COMBINED INSURANCE COMPANY OF AMERICA | $28K | $0 | $28K | 9.01% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 6230 FAIRVIEW ROAD, SUITE 210 CHARLOTTE, NC 28210 | COMBINED INSURANCE COMPANY | $19K | $0 | $19K | 25.54% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | COMBINED INSURANCE COMPANY | $13K | $0 | $13K | 17.03% |
| BENEFITS ALL INSURANCE, LLC3 Filed as: BENEFITS ALL INSURANCE LLC | UNKNOWN ALPHARETTA, GA 30005 | COMBINED INSURANCE COMPANY | $3K | $0 | $3K | 3.49% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,050 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,050 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,050 | $1.5M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,050 | $1.5M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,050 | $1.5M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,050 | $1.5M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,050 | $1.5M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,356 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,356 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.